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Individuals aged over 50 often wonder if they can still qualify for a mortgage. As a mortgage broker in Durham, here are the key areas where we can help:
By working with a dedicated mortgage advisor in Durham, you can access expert guidance for your circumstances.
If you’re over 50 and live in Durham, you can explore five primary mortgage options, either individually or jointly:
Our expert mortgage advisor, are here to guide you through these options with expert mortgage advice in Durham tailored to your situation.
The age limit for completing a mortgage typically ranges from 70 to 85 years.
This means individuals over 50 can still access a wide variety of mortgage options, provided they meet the lender’s affordability standards.
As an experienced mortgage broker in Durham, we can guide you through the process and offer tailored mortgage advice in Durham for your unique situation.
Buying a home after 50 in Durham is entirely possible. Lenders understand that many people in this age group have stable incomes, pensions, or other assets that can support mortgage repayments.
Whether you’re looking to move into a new home or refinance an existing mortgage, there are flexible options available.
Our mortgage brokers in Durham specialise in helping over-50s find mortgages that work for their unique financial situation.
Get in touch for personalised mortgage advice in Durham tailored to your needs.
Individuals aged over 50 can still qualify for buy to let mortgages.
Lenders primarily focus on the property’s rental income and the borrower’s ability to manage repayments.
Some lenders also consider additional factors like existing pension income or other sources of stability.
For expert mortgage advice in Durham, contact a specialist mortgage broker who can guide you toward the right solution for your buy-to-let goals.
How much you can borrow for an over-50s mortgage depends on your financial profile, including income, expenses, and any retirement provisions.
Lenders will often limit the term length based on your age, which may affect the total borrowing amount.
For expert mortgage advice in Durham, speak with a specialist mortgage broker who can guide you through the options available to you.
Age can impact your mortgage eligibility by limiting the repayment term and requiring lenders to assess your ability to repay during retirement.
Borrowers nearing or in retirement may be asked to provide evidence of pension income or other financial assets.
For professional mortgage advice in Durham, work with a specialist mortgage broker who understands the unique needs of older borrowers.
Our Customers Love Us
5.00 Rating19 Reviews
Jenni
Malcolm and his team were nothing short if amazing helping guide us through somewhat tricky process of buying our home. They were friendly, patient and efficient and deserve more than a five star rating. Thank you again to Malcolm and his team.
1 month ago
Joanne
Malcom, was professional and helped sercure the best mortagage deal for us. We were apprehensive about using a mortage broker as we had never used this kind of service before, but Malcom and the team made it so easy from start to finish,friendly...
3 months ago
Fiona
Very good service from Dinah. Very helpful and no pressure sales. Felt confident I got the best advice for my circumstances.
5 months ago
Katie
We could not recommend UK money man enough for helping us obtain a mortgage. As first time buyers we went into the process clueless, Malcolm and the team have been absolutely amazing. Their communication and expertise has been second to none. The...
6 months ago
Mr Darren
An amazing service from some amazing people. They where with me from start to finish and the support, guidance and advice they gave me was brilliant. I would happily recomend Durhammoneyman. Thank you to all who where involved in my case.
7 months ago
Anonymous
Great service! Very informative and responsive. Made the process for a first time buyer straight forward and went smoothly
10 months ago
Duncan
Professional all the way. Excellent advice from Wayne followed by excellent administration by Anna to complete the transaction. Would recommend.
1 year ago
Martin
Excellent Staff and Service, I would definitely use them again They were very helpful all through the process of my remortgage providing me with the best deal and assisting with any issues or concerns i had, very prompt on replies to my calls and...
2 years ago
Kayleigh
Joe and Chloe have been so helpful sorting out our remortgage. They did all the hard work. I would highly recommend Durham Money Man to anyone! Fab job guys!
2 years ago
Karen
Was very professional and very helpful.
3 years ago
Anonymous
We are very pleased with the service we received. Everything was very simple and the mortgage brokers done everything for us. The mortgage deal they found was significantly less than any we could find ourselves, so it's worth paying the broker fee...
3 years ago
Niall
Fantastic service! Amazing advice and guidance throughout my mortgage application. Would recommend Durhammoneyman to anyone!
4 years ago
Sarah
Durhammoneyman have been an absolute lifesaver in helping me to get a mortgage. Their support, advice and assistance throughout the process has been above and beyond what I could have expected. Without them I would not have been able to navigate...
4 years ago
Donna
I cannot fault the service I have received from Leo, Wendy and the team. They have made a potentially stressful process very easy, offering support and guidance throughout. I would recommend this team to anyone in need of mortgage advice. Thank...
5 years ago
Sandra
Matt was first of all hugely understanding and quite reassuring in what I knew would prove a difficult task! Under 2 years self employment history, trying to gain a second family home without selling the first and possessing a buy to let which also...
5 years ago
Louis
I had a complex situation and I was nervous about the whole thing. Chris worked his magic and got me a mortgage offer within 2 weeks. I was amazed. Working full time I found the evening appointments terrific.
5 years ago
Michelle
Thank you to Laura and Matt who worked seamlessly to get my remortgage offered. I’m really happy with my new deal, much better rate than what my bank were offering.
5 years ago
Mary
My mortgage broker was easy to get hold of and efficient. Overall my experience was good value for money. As a first time buyer I felt I had support throughout my purchase.
5 years ago
Daniel
We rang these guys when we had been promised a mortgage by our Bank who then changed their minds. To be honest we didn’t know whether or not we’d be able to get a mortgage but during the first call with Durham Moneyman we felt they understood...
5 years ago
We begin with a free mortgage appointment in Durham, offering professional guidance to help you navigate your options. Whether you’re considering traditional mortgages, equity release, or other later-life lending solutions, our mortgage advisors in Durham are here to support you.
Later-life lending isn’t always the only option. For clients in Durham, we carefully assess alternatives such as using savings, downsizing, or family financial arrangements. Our mortgage brokers in Durham ensure that you’re aware of all possibilities before making a decision.
We encourage open conversations with family or trusted individuals about your financial choices. Our team of mortgage advisors in Durham can help facilitate discussions to ensure all parties are informed and comfortable with your plans.
If a lifetime mortgage is the most suitable path, we’ll provide a tailored recommendation. As a professional mortgage broker in Durham, our focus is on finding the solution that best supports your financial future.
Book a free mortgage appointment in Durham and let us help you explore your options. Whether you’re buying your first home or looking for a specialist mortgage, our mortgage brokers in Durham are here to provide expert guidance.
We search thousands of mortgage products to find the best option for you. With access to a wide panel of lenders, our mortgage advisors in Durham are well-equipped to secure a deal that aligns with your goals.
Our team in Durham is committed to providing outstanding service. We guide you through every step of the process, offering clear and reliable mortgage advice. As a trusted mortgage broker in Durham, we strive to make the journey as stress-free as possible.
We understand how busy life can get, which is why we’re available 7 days a week. Our flexible appointment times mean you can speak with a mortgage advisor in Durham at a time that works best for you.
For over-50s in Durham looking to purchase a property, there are mortgage products specifically designed to meet your needs.
Whether you’re buying a new home to downsize, moving closer to family, or securing your dream property, lenders now offer flexible terms to suit older borrowers.
These options include repayment and interest-only mortgages, tailored to your financial goals and retirement plans.
As a dedicated mortgage broker in Durham, we work closely with lenders to secure the best possible deal for your unique circumstances.
Our experienced mortgage advisors in Durham provide step-by-step guidance, ensuring a smooth and straightforward process.
Remortgaging is a popular option for over-50s in Durham who want to reduce their monthly payments, release equity, or access more favourable rates.
Whether you’re planning for retirement or funding significant expenses, remortgaging allows you to manage your finances effectively.
Our mortgage brokers in Durham can help you explore the best remortgage deals on the market.
With access to a wide range of lenders, we’ll ensure you secure a product that meets your financial needs.
Equity release offers a practical solution for homeowners in Durham aged 50 and above who want to access funds tied up in their property.
This option is ideal for supplementing your retirement income, funding large purchases, or covering unexpected expenses.
Options include lifetime mortgages or home reversion plans, both designed to provide financial freedom without selling your home.
Our mortgage advisors in Durham specialise in equity release and can guide you through the process, helping you make an informed decision that supports your long-term goals.
If you’re over 50 in Durham and considering home improvements, financing options like remortgaging or equity release can provide the funds you need.
Whether you’re upgrading your kitchen, adding a conservatory, or making your home more energy-efficient, there are solutions available to help you achieve your vision.
Speak with our mortgage brokers in Durham for expert advice on how to finance your home improvement plans.
If you’re over 50 in Durham with a history of bad credit, finding a mortgage might seem challenging, but it’s far from impossible.
Specialist lenders offer products designed for individuals with less-than-perfect credit histories, allowing you to access financing for remortgaging, purchasing, or consolidating debt.
Our experienced mortgage advisors in Durham work with lenders who understand your unique circumstances. We’ll help you find a solution that works for your situation.
Read our 19 Reviews
Durhammoneyman.com & Durhammoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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Durhammoneyman.com & Durhammoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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